Senior Vice President, Financial Advisor, Family Wealth Director, Insurance Planning Director, Workplace Advisor - Equity Compensation
Phone:
(614) 798-3272(614) 798-3272
The Avanti Bridge Wealth Management Group at Morgan Stanley
Our Mission Statement
Providing an exceptional experience while focusing on your priorities are the cornerstone of our business and the key to a successful relationship. We focus on helping you and your family achieve your goals by creating a comprehensive financial plan and investment portfolio.
Our Story and Services
Our team’s goal is to provide some of the finest wealth management experiences available anywhere at any level. We define success as having the greatest positive impact possible for our clients and helping them navigate their financial futures. This is further evidenced in our team name The Avanti Bridge Group; which directly translates to "The forward bridge."
As a team, we believe that every client is unique and we focus our attention on your specific needs. We have developed a deep understanding of wealth management and the challenges that our clientele may encounter. Together we are able to combine our experience to better serve the needs of all of our clients.
To begin, we help you develop a comprehensive plan that is designed to help take you from where you are to where you want to be. This process begins with listening to gain an understanding of your personal and professional aspirations. We then create a personalized plan tailored to your goals and work alongside you to implement it. Followed by open communication and ongoing reviews, we strive to ensure your plan and aspirations remain in alignment with the strategies we have in place.
Our extensive resources, access to intellectual capital, financial planning, and active investment management are some of the reasons our clients feel valued and place their confidence with our team. We will be here every step of the way, providing the guidance you need in an effort to make educated, confident decisions. In the hope that you have more time enjoying your life. As our team name states, "The forward bridge", that our main priority is to guide you forward by providing an exceptional level of service to you and your family.
As a team, we believe that every client is unique and we focus our attention on your specific needs. We have developed a deep understanding of wealth management and the challenges that our clientele may encounter. Together we are able to combine our experience to better serve the needs of all of our clients.
To begin, we help you develop a comprehensive plan that is designed to help take you from where you are to where you want to be. This process begins with listening to gain an understanding of your personal and professional aspirations. We then create a personalized plan tailored to your goals and work alongside you to implement it. Followed by open communication and ongoing reviews, we strive to ensure your plan and aspirations remain in alignment with the strategies we have in place.
Our extensive resources, access to intellectual capital, financial planning, and active investment management are some of the reasons our clients feel valued and place their confidence with our team. We will be here every step of the way, providing the guidance you need in an effort to make educated, confident decisions. In the hope that you have more time enjoying your life. As our team name states, "The forward bridge", that our main priority is to guide you forward by providing an exceptional level of service to you and your family.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Wealth ManagementFootnote4
- Professional Portfolio ManagementFootnote5
- Sustainable InvestingFootnote6
- Alternative InvestmentsFootnote7
- Municipal BondsFootnote8
- Trust ServicesFootnote9
- Life InsuranceFootnote10
- AnnuitiesFootnote11
- Long Term Care InsuranceFootnote12
- Business Succession PlanningFootnote13
- Cash Management and Lending ProductsFootnote14
- 401(k) Rollovers
- Divorce Financial AnalysisFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Who We Work With
We work with a small, yet select group of clients, who value our depth of knowledge and experience in providing comprehensive wealth management solutions. Our practice includes a diverse group of clients, including:
Corporate Executives
Whether you require the advice or capital required to potentially grow your business or simply a plan to help build your assets. Our team is ready to help you meet your goals.
Business Owners
Whether you require assistance navigating the sale or transfer of your business, the advice or capital required to grow the business, or simply a plan which can safeguard your assets and build on your continued success, we are here to help you.
Multi-Generational Families
Given the complexity of challenges, aspirations and opportunities of multi-generational families. We can help you create a customized, comprehensive estate plan to help protect and achieve your unique vision of a successful life and legacy for you and your family.
Corporate Professionals Across a Variety of Industries
No matter the realm of your profession, whether that be engineering, legal, or medical we are here to help you create a customized plan tailored to your goals.
Financial Strategies
In today's ever-changing world, careful planning and sound investment advice becomes even more important as you pursue your personal and professional goals. Collaborating with a seasoned advisor can help you simplify your life, so you can focus on what truly matters to you and your family.
The Avanti Bridge Wealth Management Group are experienced financial advisors. Their consultative approach covers the full spectrum of customized solutions for financially successful individuals and families. We not only look at where you are in relation to your goals but evaluate and seek to point out the direct routes for helping get to where you want to go.
As we begin to work together, you will experience a forward-thinking approach that emphasized highly personalized service, strategic market insights and a commitment to transparency. Our process is centered around you, what's happening in your life, and a consistent communication to always know what's happening with your wealth.
The Avanti Bridge Wealth Management Group are experienced financial advisors. Their consultative approach covers the full spectrum of customized solutions for financially successful individuals and families. We not only look at where you are in relation to your goals but evaluate and seek to point out the direct routes for helping get to where you want to go.
As we begin to work together, you will experience a forward-thinking approach that emphasized highly personalized service, strategic market insights and a commitment to transparency. Our process is centered around you, what's happening in your life, and a consistent communication to always know what's happening with your wealth.
Our Planning Process
Financial planning is the cornerstone of our practice. Our process begins with you, your investment objectives and your financial goals. Our approach is holistic and encompasses all the elements of your financial life; from your investments and cash management needs, to ensuring that your intentions align with your goals and wealth management strategy. Whether your financial goal may be to grow your wealth, preserve it, or pass it on to others, you can count on our team to work with you to create a tailored strategy to get you there.
1: Discovery & Goals Analysis
We take the time to fully understand you and your family. Whether you’re planning for retirement, purchasing a home, or living out your golden years – We consider all of your needs, wants, and wishes when building your financial plan. Our mission is to align your actions with your intentions for a more successful outcome. To do this, we need to understand what is important to you.
2: Evaluate & Implement
Using our institutional risk management framework to assess current assets and risk exposures, We will begin to construct a financial plan which encompasses every important detail of your life. Then, with your approval, we begin to implement the plan. This often encompasses a broad range of strategies – from investments and insurance to lending and estate planning.
3: Communicate
Life evolves and market conditions change, so it is important to keep the lines of communication open. To ensure a personalized experience, we customize a communication plan that takes into account your preferences.
4: Ongoing Review
Finally, we meet regularly to ensure your plan remains current and to review your progress towards achieving your goals. We will also coordinate with your CPA and estate attorney as necessary to ensure a cohesive and comprehensive strategy.
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
Learn More
LifeView Financial Goal Analysis
Leveraging our LifeView Goal Analysis tool, we can work with you to create a personalized financial plan. Over time, we will adapt it to changing circumstances, helping you achieve your goals and protect what is meaningful to you.
LifeView Goal Analysis: Sample Client ProfileModern Wealth Tools
Morgan Stanley Online
Morgan Stanley Online is the foundation of our modern wealth client experience. Our digital capabilities online and on the Morgan Stanley Mobile App allow you to stay informed about your investments and manage your everyday finances while providing protection for your account with our encryption and fraud prevention technology.
Morgan Stanley Online
Total Wealth View
Through Morgan Stanley Online, you can view your Morgan Stanley accounts and those from other financial institutions all in one secure place. This gives a better view of your complete financial picture and helps to better track your goals and plan for the future.
Total Wealth View
eSign
When you use eSign, you must verify your identity before you sign the document and then, once signed, the document is sealed against tampering and cannot be edited.
eSign
eAuthorizations
With eAuthorizations, you can electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App within minutes.
eAuthorizations
Data Security
At Morgan Stanley, our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
Data Security Measures
Digital Vault
Digital Vault allows you to easily manage and share your important documents. All files are scanned for viruses and malware, and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Digital VaultLocation
545 Metro Place South
Suite 300
Dublin, OH 43017
US
Direct:
(614) 798-3100(614) 798-3100
Meet The Avanti Bridge Wealth Management Group
Senior Vice President, Financial Advisor, Family Wealth Director, Alternative Investments Director, Workplace Advisor - Equity Compensation
Phone:
(614) 798-3223(614) 798-3223
Phone:
(614) 798-3231(614) 798-3231
Phone:
(614) 798-3278(614) 798-3278
Brian Peters
Wealth Management Associate, Financial Planning Specialist
Phone:
(614) 798-3273(614) 798-3273
About Rachel Beck
Securities Agent: WA, WI, WV, WY, NM, PA, AZ, PR, RI, ND, MT, MS, MO, MN, ME, KS, ID, IA, HI, DC, AR, AL, AK, OK, NV, TX, TN, SC, OH, NY, NJ, NC, MI, MD, MA, LA, KY, IN, IL, GA, FL, DE, CT, CO, CA, NE, OR, NH, SD, UT, VA, VI, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 2241392
NMLS#: 2241392
About Patrick Riepenhoff
Over his 20-year career, Patrick has helped numerous clients meet the challenges and manage the complexities that often accompany significant wealth. Patrick is a CERTIFIED FINANCIAL PLANNER™ who believes that a comprehensive plan is mandatory for understanding what you truly want your wealth to accomplish and what might prevent you from achieving your goals.
At the two major regional banks where he worked before joining Morgan Stanley, Patrick built a successful practice, while supervising and mentoring several other Financial Advisors across Ohio. His focus with them was no different than the focus he has always prioritized with his own clients – to provide them with service that can help make a difference in their financial lives and to cultivate a relationship marked by depth, longevity, and mutual respect.
Patrick joined Morgan Stanley because he believes his clients can benefit greatly from the extensive resources available here. A financial planning platform that goes beyond investing to encompass virtually every aspect of your financial life, asset management capabilities that conduct exhaustive research of third-party investment management organizations, a global outlook on financial markets – these are the attributes that compelled him to come here. And these are the attributes that Patrick firmly believes will help his clients take a more direct route to their financial goals.
Patrick has a BA in Economics Management from Ohio Wesleyan University. He is a native Ohioan and resides in New Albany, Ohio with his wife Tami and their two sons, Grant, and Blake. When Patrick is not serving his clients, he can often be found coaching or watching his sons play baseball.
At the two major regional banks where he worked before joining Morgan Stanley, Patrick built a successful practice, while supervising and mentoring several other Financial Advisors across Ohio. His focus with them was no different than the focus he has always prioritized with his own clients – to provide them with service that can help make a difference in their financial lives and to cultivate a relationship marked by depth, longevity, and mutual respect.
Patrick joined Morgan Stanley because he believes his clients can benefit greatly from the extensive resources available here. A financial planning platform that goes beyond investing to encompass virtually every aspect of your financial life, asset management capabilities that conduct exhaustive research of third-party investment management organizations, a global outlook on financial markets – these are the attributes that compelled him to come here. And these are the attributes that Patrick firmly believes will help his clients take a more direct route to their financial goals.
Patrick has a BA in Economics Management from Ohio Wesleyan University. He is a native Ohioan and resides in New Albany, Ohio with his wife Tami and their two sons, Grant, and Blake. When Patrick is not serving his clients, he can often be found coaching or watching his sons play baseball.
Securities Agent: IL, MT, PR, NJ, TX, WI, DC, WA, VA, UT, SD, SC, RI, OH, NV, NM, NE, ND, NC, MS, MO, MN, MI, MA, LA, IN, GA, FL, DE, CT, CO, CA, AZ, AR, AL, AK, IA, NY, ID, ME, KY, OK, VT, TN, PA, WY, HI, KS, MD, NH, OR, VI, WV; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2112600
NMLS#: 2112600
About Frank Nobile
Frank has dedicated his career to serving the specialized needs of successful professionals, business leaders and families living in the greater Columbus area and around the country. His extensive knowledge in a broad array of financial solutions enables him to help clients achieve their long-term financial goals, while building a diversified investment portfolio. For Frank, professional success is measured in terms of client well-being and goal achievement.
As an experienced financial advisor, Frank knows what it takes to achieve results. His consultative approach covers the full spectrum of customized solutions for financially successful individuals and families. What’s more, Frank’s commitment to ongoing education and communication helps you take the emotion out of making important decisions to bring a disciplined process to smart money management.
As you begin to work together, you will experience a forward-thinking approach that emphasizes highly personalized service, strategic market insights and a commitment to transparency, so Frank always know what’s happening in your life, and you always know what’s happening with your wealth.
As an experienced financial advisor, Frank knows what it takes to achieve results. His consultative approach covers the full spectrum of customized solutions for financially successful individuals and families. What’s more, Frank’s commitment to ongoing education and communication helps you take the emotion out of making important decisions to bring a disciplined process to smart money management.
As you begin to work together, you will experience a forward-thinking approach that emphasizes highly personalized service, strategic market insights and a commitment to transparency, so Frank always know what’s happening in your life, and you always know what’s happening with your wealth.
Securities Agent: NH, CT, WI, SD, PR, NE, IA, AR, TX, NJ, ND, MT, ME, KY, KS, DC, VA, TN, PA, NV, IL, FL, GA, VT, RI, OH, MN, IN, HI, CA, AZ, WA, VI, ID, DE, CO, AK, OR, NM, MD, MA, LA, SC, MS, WV, NY, MO, MI, AL, WY, UT, OK, NC; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2158262
NMLS#: 2158262
About Andrew Clemens
Securities Agent: KY, AL, AK, MN, HI, CT, IA, AR, MS, DC, ME, LA, DE, MA, KS, ND, NC, MT, NE, NH, NJ, MD, MO, NM, NY, CA, ID, IL, IN, OH, CO, FL, PA, OK, MI, NV, PR, OR, RI, SC, TX, WV, GA, AZ, SD, VA, TN, VI, UT, VT, WI, WA, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 2216901
NMLS#: 2216901
About Brian Peters
Brian began his career over 8 years ago in the financial services industry. During the course of his career, he has had the opportunity to experience multiple facets in the financial services industry and is able to utilize that experience to best serve the needs of his clients. Using this knowledge, Brian is able to help position clients to best understand their broad financial picture and work with Rachel to help guide them toward their goals. Brian understands and is dedicated to the importance of the client service experience. As a Client Service Associate, Brian’s responsibilities include managing the unique experience for each client working with the team, the administrative and operations functions, as well as supporting Rachel with the new client onboarding process. When Brian is not serving the needs of his clients he can be found spending time with friends and family.
Contact Rachel Beck
Contact Patrick Riepenhoff
Contact Frank Nobile
Contact Andrew Clemens
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Avanti Bridge Wealth Management Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
14Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
15Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
14Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
15Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
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Awards Disclosures
CRC 6491812 (04/2024)
